Know About Uber Auto Insurance written by: Renuka Ramamurthy Uber is a popular car hire service that competes with other car services. This new service has made it possible for individuals to work flexible schedules. If you are planning to drive for a ride-hailing company, Uber auto insurance is an important issue to understand, since it is necessary to be sure that you and your passengers are protected in case of an accident. Ever since the introduction of ridesharing services, like Uber, concerns have been raised about the Uber auto insurance requirements for its drivers. Generally, ridesharing drivers are covered by their personal car insurance and by the company’s insurance as well. But as they use their cars to make money, they should …show more content…
It is a little complicated to understand whether personal auto insurance works for Uber drivers because: · You use your vehicles for both personal and business purposes. · Your company does not consider you as an employee. · You own your vehicle and not your company. This leaves you in between personal - car insurance, which excludes coverage for business use of a vehicle, and commercial insurance policies, which assume the vehicle is exclusively used for business purposes. There are many states where there is not an officially recognized rideshare insurance policy and although you may be still covered by Uber, your personal insurer may drop you for being a rideshare driver. Uber Insurance Coverage All drivers working with Uber require a personal - car insurance. Further, Uber provides some additional coverage for their drivers as supplemental insurance to the driver’s personal insurance policies only when they are online. However, if you are an Uber driver, you should understand exactly what type of insurance coverage it provides. When Uber drivers are using their vehicles for personal use, the company will not take responsibility for things that go